Amex Blue Business Plus review: 0% intro APR with rewards
For a business with good personal credit, this card is the cheapest money on this site for the first year: twelve months of 0% on purchases, no annual fee and 2x points on everyday spend. Pay it off before the intro period ends and it costs nothing.
Amex Blue Business Plus is best for 0% intro APR with rewards. 0% on purchases for 12 months, no annual fee, and 2x membership rewards points on the first $50,000 in purchases each year, then 1x. Approval generally requires a 690+ personal credit score.
Amex Blue Business Plus business credit card details
| Annual fee | $0 |
|---|---|
| Intro APR | 0% on purchases for 12 months |
| Ongoing APR | 17.49% to 25.49% variable |
| Rewards | 2x Membership Rewards points on the first $50,000 in purchases each year, then 1x |
| Credit needed | 690+ |
| Card arrives | Instant card number on approval |
Pros
- 0% intro APR on purchases for 12 months
- No annual fee
- 2x points on all purchases up to $50,000 a year
- Expanded buying power above the credit limit
Cons
- Requires good to excellent personal credit
- No 0% period on balance transfers
- Points, not cash, unless you redeem for statement credit
- 2.7% foreign transaction fee
Figures verified 2026-11-01. Providers change terms; confirm before applying.
Where Amex Blue Business Plus stands out
Twelve months of free float
Inventory, software and ad spend put on this card in month one do not accrue interest until month thirteen.
Where Amex Blue Business Plus falls short
Credit requirements
Approval generally needs a 690+ personal score. Newer owners with thin files should look at a secured business card first.
Who qualifies
Requirements
- 690+ personal FICO recommended
- Sole proprietors can apply with an SSN
Consider Amex Blue Business Plus if you
- You have good personal credit
- You have predictable expenses you can float
- You want rewards without an annual fee
Alternatives to Amex Blue Business Plus
Chase Ink Business Unlimited
Business credit card · best for flat-rate cash back
Annual fee $0 · Intro APR 0% on purchases for 12 months
Capital One Spark Cash Plus
Business charge card · best for high spenders
Annual fee $150 · Intro APR None (pay in full)
Amex Blue Business Plus appears in: Best Startup Business Loans of November 2026, Best Business Credit Cards of November 2026, Best 0% Intro APR Business Credit Cards of November 2026.
Methodology
Amex Blue Business Plus was scored on cost of capital, accessibility, speed, repayment flexibility, transparency and borrower outcomes, the same six factors applied to every business credit cards product on this site. Read how we rate. Amex Blue Business Plus is a partner; that relationship is disclosed and does not affect the rating.